| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $130K | $143K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $26K | $29K | 0.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD 3RD FLOOR FARMINGTON, CT 06032 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | ONE INTERNATIONAL PLACE 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $5 | — | $5 | 0.00% |
| GA SOLUTIONS LLC3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10532 | HARTFORD LIFE AND ACCIDENT | — | -$2 | -$2 | -0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.06% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | — | $2K | 4.98% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 217 | $4.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 217 | $4.8M |
| Vision | VISION SERVICE PLAN | 234 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 225 | $102K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $50K |
| Other | HARTFORD LIFE AND ACCIDENT | 225 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.